Product Manager

2 weeks ago

Noida, Uttar Pradesh, India Nucleus Software Full time ₹ 20,00,000 - ₹ 25,00,000 per year

We are hiring Loan Origination Experts who have hands-on experience in building and scaling Loan Origination Systems (LOS) across diverse lines of business. This is a high-impact role where you will work on mission-critical projects, helping design, configure, and implement next-gen LOS solutions integrated with global standards and AI-driven decisioning.

This opportunity provides a platform to leverage your domain knowledge, customer insight, and technical expertise to transform the lending ecosystem.

Key Responsibilities

  • Lead design and implementation of end-to-end Loan Origination Systems across retail and MSME lending.
  • Drive Rule Engine configurations to enable flexible, automated decision-making.
  • Define, configure, and optimize Workflow Management to deliver seamless customer journeys.
  • Build and maintain robust Master Management frameworks for customer, product, and transaction data.
  • Deliver Mobility-first solutions for loan origination including agent, DSA, and customer applications.
  • Manage Global Customer Data Models ensuring compliance, scalability, and unified 360° view across geographies.
  • Design solutions spanning multiple product lines: Home Loan (HL), Personal Loan (PL), Loan Against Property (LAP), Gold Loan, Vehicle Loan, and others.
  • Collaborate with FinTech ecosystem partners and India Stack (e.g., Aadhaar, PAN, DigiLocker, UPI, Account Aggregator, eSign, CKYC).
  • Engage with multiple stakeholders across Sales, Credit, Risk, and Operations, ensuring requirements are translated into functional LOS configurations.

  • Apply AI/ML techniques for:

  • Risk scoring using alternative data (telecom, utility, social, cashflows).

  • Predictive credit behavior modeling.
  • Fraud detection and anomaly spotting.
  • Conversational AI for faster onboarding and customer service.

Mentor team members and actively contribute to knowledge-sharing within the product and solution delivery teams.

Requirements

  • Strong background in Loan Origination Systems design and implementation.
  • Expertise in Rule Engines, Configurations, Workflow Management, Master Data Management, and Mobility Solutions.
  • Deep understanding of lending product lifecycle across HL, PL, LAP, Gold, Vehicle, MSME, and Business Loans.
  • Hands-on exposure to CPV/Field Investigation modules and external data integrations.
  • Proven experience with FinTech integrations and Digital India Stack APIs.
  • Knowledge of Global Customer Data Management and regulatory-compliant architectures.
  • Practical application of AI/ML in credit decisioning, fraud analytics, and customer engagement.
  • Strong stakeholder management and cross-functional collaboration skills.
  • Open to Bankers from Sales/Credit backgrounds willing to transition into FinTech solution delivery.

Qualifications

  • Graduate/Postgraduate in Engineering, Technology, or Finance.
  • 10–14 years of experience in Lending / LOS / BFSI / FinTech product development.
  • Strong communication, analytical, and problem-solving skills.

Benefits

  • Opportunity to work on mission-critical projects for leading global banks and financial institutions.
  • Exposure to multi-product lending portfolios and global LOS transformations.
  • Work on AI-driven innovation in credit, fraud, and customer engagement.
  • A collaborative ecosystem with senior domain experts and industry leaders.
  • Fast-track growth for domain specialists and problem-solvers.

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